My second question is what the Ulama say about current account?
بسم الله الرحمن الرحيم
(1 & 2) Interest money should be given to the poor and needy ones without the intention of reward. Your practice is correct. And in case by depositing money in current account no interest is given then he should convert his account and should not deposit his money in saving account without a need.
Allah knows Best!
Darul Uloom Deoband
This answer was collected from the official ifta website of Darul Uloom Deoband in India.